Call reports 2010
PUBLIC SAVINGS BANK — 2010
What PUBLIC SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 49,544,000 | 49,086,000 | 51,070,000 | 47,132,000 |
| Total loans | 37,209,000 | 38,057,000 | 39,074,000 | 38,132,000 |
| Allowance for loan losses | 682,000 | 839,000 | 973,000 | 846,000 |
| Securities available for sale | 246,000 | 902,000 | 1,197,000 | 1,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,305,000 | 46,133,000 | 48,603,000 | 45,393,000 |
| Interest-bearing deposits | 34,132,000 | 33,028,000 | 30,597,000 | 26,964,000 |
| Noninterest-bearing deposits | 12,173,000 | 13,105,000 | 18,006,000 | 18,429,000 |
| Equity capital | 2,991,000 | 2,581,000 | 2,017,000 | 1,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 1,336,000 | 2,083,000 | 2,779,000 |
| Interest expense | 205,000 | 395,000 | 572,000 | 712,000 |
| Net interest income | 572,000 | 941,000 | 1,511,000 | 2,067,000 |
| Noninterest income | 699,000 | 1,298,000 | 1,813,000 | 2,640,000 |
| Noninterest expense | 1,121,000 | 2,464,000 | 3,959,000 | 5,639,000 |
| Provision for loan losses | 78,000 | 370,000 | 525,000 | 583,000 |
| Pretax income | 72,000 | -595,000 | -1,160,000 | -1,515,000 |
| Income tax | 28,000 | -189,000 | -189,000 | 0 |
| Net income | 44,000 | -406,000 | -971,000 | -1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,810,000 | 2,276,000 | 1,750,000 | 1,386,000 |
| Total capital | 3,205,000 | 2,685,000 | 2,155,000 | 1,863,000 |
| Risk-weighted assets | 31,095,000 | 32,292,000 | 31,828,000 | 37,761,000 |